Scenario: You're playing an 18th level character you've run since first level for over 3 years in real time. He's the leader of the party, and the hope of middle-earth. He's defeated dragons and hordes of undead. His magic weapons are legendary. This character is really part of YOU. You've played with him every week for THREE years.
Your party is on their way to the island fortress of the Demon King for the final epic battle. It's gonna be awesome. The entire campaign has led up to this. You have to swim across a river to reach the castle. You roll a 1 on your swim check. You get another chance, and roll a 2. One more chance, roll another 1. You are swept away and drown. Your character is dead. You miss the final epic battle, because you had a bad stroke of luck, and the greatest hero the world has ever seen drowned in rather unheroic fashion.
What, and no one has a resurrection to bring this guy back?
I was wondering when someone would say something about that lol. Yeah obviously this is a super extreme scenario, and probably would never happen, I was just trying to convey that it's a heroic character that you've been playing for a while.